Like Dominoes they fell! CH13 fell off all three CRA's!

Like Dominoes they fell! CH13 fell off all three CRA's!

What a long road but still have some work to do to get back in w/AMEX and Chase. My Ch13 fell off all three reporting agencies and I was/am in the process of refinanceing my stupid adjustable rate mortgage to a 30 yr fixed and they did a soft pull after I told them my BK's came off and I went from a 4.2% to a 3.6% refi!!!!! I did go on a credit building card spree and should have just never touched Chase because I had no clue how many plans they share branding with. Wasted 5 pulls :-(. Good thing is I'm out of an adjustable, just added 4 cards to my mix topping me out at $100k limit and added my daughter on as a auth user w/a $500 limit on three of them (my oldest ones). If I could have gotten back in w/Amex my AoA would be 30 freaking years. Still work to do but a good day.

OH, here's a question. Doing a cash-out refi to pay off two loans and my truck. Once I do that all I will have is a mortgage and credit cards (0 CC balance). Will paying off the truck help or hurt me w/it disappearing as a different type of credit loan?

Re: Like Dominoes they fell! CH13 fell off all three CRA's!

Congrats, Gypsy!! Wonderful news.

We just made our 60th payment and will anxiously wait for our discharge hopefully in the next couple months. Then two more years until we will be with you, seeing it drop off our credit. I want to be in a much better place financially when that happens.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.